Bluestone Mortgages

Positiveaffirmations21

Lottien95 said:

Positiveaffirmations21 said:

Lottien95 said:

Positiveaffirmations21 said:

Lottien95 said:

WE HAVE JUST RECIEVED OUR MORTGAGE OFFER 🎉🎉🎉🎉
so so so so happy!

Can you give your timeline if you don’t mind!!xx 

11/06/2021 reserved our home

26/06/2021 DIP finally received, was rejected at first a few days prior 

02/07/2021 HTB ATP received 

Lots of questions in between and over 30 odd questions! 

12/07/2021 application submitted using packager

15/07/2021 bluestone asked some questions packager submitted same day. Valuation instructed 

22/07/2021 confirmation it has now been sent to the underwriters!

27/07/2021 more documents requested 

30/07/2021 documents finally submitted due to  MA being away so someone else stepped in to help

05/08/2021 mortgage offer received  🎉

However our completion date is yet to be confirmed, solicitors are working on that for us! 

It seems straight forward here but believe me before application submitted etc we was to and from the packager so much!

And details requested took a while in some cases!

Any questions Ask away! 

Wow!! Yours seemed quite quick and straightforward!!! Well done! Hopefully you get a completed date soon! Xx

When looking at that brief timeline it does seem quick and straightforward but reality is far different 😂 we hit a snag today with our HTB application our case handler didn’t update the interest rate as it’s over 4.8% with HTB even though I was assured thus was done and they left off our middle names so I’ve had to get all that amended, my solicitors now waiting for the offer through the post - how long did everyone’s solicitors take to receive the offer via post? August completion now has been scuppered so it’ll be end of September 😢xx

Isn’t it the solicitor who informs them of the interest rate when they do the ATE? Also was there a way to check you still met H2B affordability with the higher interest??
End of September will come around in no time!!! 

Lottien95

Positiveaffirmations21 said:

Lottien95 said:

Positiveaffirmations21 said:

Lottien95 said:

Positiveaffirmations21 said:

Lottien95 said:

WE HAVE JUST RECIEVED OUR MORTGAGE OFFER 🎉🎉🎉🎉
so so so so happy!

Can you give your timeline if you don’t mind!!xx 

11/06/2021 reserved our home

26/06/2021 DIP finally received, was rejected at first a few days prior 

02/07/2021 HTB ATP received 

Lots of questions in between and over 30 odd questions! 

12/07/2021 application submitted using packager

15/07/2021 bluestone asked some questions packager submitted same day. Valuation instructed 

22/07/2021 confirmation it has now been sent to the underwriters!

27/07/2021 more documents requested 

30/07/2021 documents finally submitted due to  MA being away so someone else stepped in to help

05/08/2021 mortgage offer received  🎉

However our completion date is yet to be confirmed, solicitors are working on that for us! 

It seems straight forward here but believe me before application submitted etc we was to and from the packager so much!

And details requested took a while in some cases!

Any questions Ask away! 

Wow!! Yours seemed quite quick and straightforward!!! Well done! Hopefully you get a completed date soon! Xx

When looking at that brief timeline it does seem quick and straightforward but reality is far different 😂 we hit a snag today with our HTB application our case handler didn’t update the interest rate as it’s over 4.8% with HTB even though I was assured thus was done and they left off our middle names so I’ve had to get all that amended, my solicitors now waiting for the offer through the post - how long did everyone’s solicitors take to receive the offer via post? August completion now has been scuppered so it’ll be end of September 😢xx

Isn’t it the solicitor who informs them of the interest rate when they do the ATE? Also was there a way to check you still met H2B affordability with the higher interest??
End of September will come around in no time!!! 

Yep but we’ve had to have our ATP amended due to case handler missing our middle names off then heard back today that the builders solicitor no longer works for them so it’s bounced back so had to find out new contact information to re submit it this afternoon for them to re approve the ATP solicitors should have our offer by next Thursday so that’s when we can go for the ATE I’ve used there calculator online and we are just under there max interest rate figure so hopefully no issues there!! Just as I started to get excited been hit with such a deflating day! Praying they receive the offer sooner so the ball can get rolling for a completion! Xx

busybee22

Had offer subject to valuation once 22nd July paid for the valuation on the 22nd July 
Valuation was done Thursday 5th August the valuation company had the wrong number to arrange valuation. 

Just waiting now to see if we get a mortgage offer.
How long after valuation did people hear back 

SSG1992

@busybee22 Hi, could you let me know how long did it take to hear back from Bluestone about getting your valuation done please? 

I might just be being super impatient  

Icklesaint

busybee22 said:

Had offer subject to valuation once 22nd July paid for the valuation on the 22nd July 
Valuation was done Thursday 5th August the valuation company had the wrong number to arrange valuation. 

Just waiting now to see if we get a mortgage offer.
How long after valuation did people hear back 

Our valuation was done on the 19th of July and we had our official offer last Thursday so the 5th of august.  From what I read though most people get it within a couple of days x

Lottien95

Our new affordability with help to buy has passed! So new atp we’re waiting for and we’re good to go for the ATE once solicitors recieve offer! Xx

Lottien95

busybee22 said:

Had offer subject to valuation once 22nd July paid for the valuation on the 22nd July 
Valuation was done Thursday 5th August the valuation company had the wrong number to arrange valuation. 

Just waiting now to see if we get a mortgage offer.
How long after valuation did people hear back 

Our valuation was the 29th of July we had our offer on the 5th of august xx

busybee22

SSG1992 said:

@busybee22 Hi, could you let me know how long did it take to hear back from Bluestone about getting your valuation done please? 

I might just be being super impatient  

As soon as I hear I'll let you know 

busybee22

busybee22 said:

SSG1992 said:

@busybee22 Hi, could you let me know how long did it take to hear back from Bluestone about getting your valuation done please? 

I might just be being super impatient  

As soon as I hear I'll let you know 

Our application went to under written beginning of July they wanted few more bits of information 
We are buying off our landlord and paid for valuation on 22nd July bluestone said valuation company had been trying to get in touch with us for 2 weeks we rang the valuation company and they had a totally different phone number wasn't our or out landlords we rang last Tuesday and valuation was done on Thursday 

Positiveaffirmations21

Lottien95 said:

Our new affordability with help to buy has passed! So new atp we’re waiting for and we’re good to go for the ATE once solicitors recieve offer! Xx

Congrats!!!